# Patient Protection and Affordable Care Act; HHS Notice of Benefit and Payment Parameters for 2014
> **US Department of Health and Human Services** · Final rule. · Published 2013-03-11 · Effective 2013-04-30 · 78 FR 15410
## Document
- **Document number:** 2013-04902
- **Category:** other
- **Sub-agency:** US Department of Health and Human Services
- **Federal Register citation:** 78 FR 15410
- **CFR reference:** 45 CFR 153
- **Publication date:** 2013-03-11
- **Effective date:** 2013-04-30
- **HHS docket:** CMS-9964-F
## Abstract

This final rule provides detail and parameters related to: the risk adjustment, reinsurance, and risk corridors programs; cost-sharing reductions; user fees for Federally-facilitated Exchanges; advance payments of the premium tax credit; the Federally-facilitated Small Business Health Option Program; and the medical loss ratio program. Cost-sharing reductions and advance payments of the premium tax credit, combined with new insurance market reforms, are expected to significantly increase the number of individuals with health insurance coverage, particularly in the individual market. In addition, we expect the premium stabilization programs--risk adjustment, reinsurance, and risk corridors--to protect against the effects of adverse selection. These programs, in combination with the medical loss ratio program and market reforms extending guaranteed availability (also known as guaranteed issue) and prohibiting the use of factors such as health status, medical history, gender, and industry of employment to set premium rates, will help to ensure that every American has access to high-quality, affordable health insurance.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2013/03/11/2013-04902/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2014)
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